they make the laws. they have created this massive thing called dodd-frank, which we are only part weaker in terms of interpreting and figuring out how to work. and i think it's much more appealing and i believe that the community bankers support will be fully supported on this issue. this is something we have been bird dogging, just to go back to the litter references and i think it's gaining momentum going. but it will not be easy. as i said earlier, is benefiting, lawyers and bureaucrats. john. [inaudible] i am half australian, this is water. yes, sir. >> i'm rubber weisner with public citizen. thank you for leading us on this. i have a two-part question, maybe it's two questions disguised as one. you know better than me barney frank and chris god we say we dealt with too big to fail and they meant it. as you're saying as regulators we really mean it and that's not sufficient to convince either bankers are markets. so i'm curious the part you didn't emphasize, but that drug. that's the plan for govern